Which credit card is best for Wallet load?

SC Ultimate is the best card for Wallet load. It nets ₹165 on a ₹5,000 spend. Pay directly.

Which cards give nothing on Wallet load?

122 of the cards we track earn nothing on Wallet load, including HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Diners Club Privilege, HDFC Millennia, Swiggy HDFC Bank and 117 more.

Is a gift voucher better than paying directly for Wallet load?

No voucher route earns more here. Pay directly with SC Ultimate for ₹165 on ₹5,000.

Best credit card for wallet load: SC Ultimate, 3.3% back

HDFC Infinia Metal

E-wallet loading earns nothing; accrued points reversed.

hdfc.bank.in · 22 Aug 2026

HDFC Diners Club Black Metal

E-wallet loading earns nothing; accrued points reversed.

hdfc.bank.in · 22 Aug 2026

HDFC Diners Club Privilege

E-wallet loading earns nothing; accrued points reversed.

hdfc.bank.in · 22 Aug 2026

HDFC Millennia

Wallet loading (MCC 6540) earns nothing; gift/prepaid/voucher via 6540 earns only 1%.

hdfc.bank.in · 22 Aug 2026

Swiggy HDFC Bank

No cashback on prepaid/gift card/wallet loads.

hdfc.bank.in · 22 Aug 2026

Tata Neu Infinity HDFC

Wallet loads, gift/prepaid cards and voucher purchases earn nothing.

hdfc.bank.in · 22 Aug 2026

HDFC Regalia Gold

E-wallet loading earns nothing; accrued points reversed.

hdfc.bank.in · 22 Aug 2026

Tata Neu Plus HDFC

Wallet loads, gift/prepaid cards and voucher purchases earn nothing.

hdfc.bank.in · 22 Aug 2026

HDFC Regalia

E-wallet loading earns nothing; accrued points reversed.

hdfc.bank.in · 22 Aug 2026

Marriott Bonvoy HDFC

Wallet/gift/prepaid/voucher loads via MCC 6540 earn nothing (code printed by the bank).

hdfc.bank.in · 22 Aug 2026

PIXEL Play

Wallet loads, gift/prepaid card loads and voucher purchases earn nothing.

hdfc.bank.in · 21 Sep 2026

HDFC MoneyBack+

No CashPoints on fuel, EMI, rent payments, government-related transactions or wallet/gift/prepaid card loads and voucher purchases.

hdfc.bank.in · 25 Sep 2026

HDFC Freedom

No CashPoints on fuel, EMI, rent payments, government-related transactions or wallet/gift/prepaid card loads and voucher purchases.

hdfc.bank.in · 25 Sep 2026

IndianOil HDFC Bank

No Fuel Points on wallet loads.

hdfc.bank.in · 26 Sep 2026

HDFC PIXEL Go

No CashPoints on fuel, wallet/gift/prepaid card loads, rent, government-related transactions or EMI transactions.

hdfc.bank.in · 25 Sep 2026

PhonePe HDFC Bank Ultimo Credit Card

No reward points on EMI transactions, fuel, wallet load, gift cards, or cash advances.

hdfc.bank.in · 30 Sep 2026

PhonePe HDFC Bank Uno Credit Card

No reward points on EMI transactions, fuel, wallet load, gift cards, or cash advances.

hdfc.bank.in · 30 Sep 2026

Biz Black Metal Edition Credit Card

Petrol/fuel, wallet loads, rent, education and EMI transactions do not earn Reward Points.

hdfc.bank.in · 2 Oct 2026

Biz Power Credit Card

Petrol/fuel, wallet loads, rent, education and EMI transactions do not earn Reward Points.

hdfc.bank.in · 2 Oct 2026

Axis ACE

Wallet loads excluded.

axis.bank.in · 22 Aug 2026

Axis Magnus

Wallet loads excluded.

axis.bank.in · 22 Aug 2026

Flipkart Axis Bank

Wallet loads excluded.

axis.bank.in · 22 Aug 2026

Airtel Axis Bank

Wallet recharges excluded.

axis.bank.in · 22 Aug 2026

Axis Bank Cashback

Wallet loads excluded.

axisbank.com · 20 Aug 2026

Axis Atlas

Wallet loads excluded.

axis.bank.in · 22 Aug 2026

Axis Privilege

Wallet loads excluded.

axis.bank.in · 22 Aug 2026

Axis Reserve

Wallet loads excluded (Apr 2024).

axis.bank.in · 22 Aug 2026

Axis Burgundy Private

Wallet loads excluded.

axis.bank.in · 22 Aug 2026

Axis Magnus for Burgundy

Wallet loads excluded.

axis.bank.in · 22 Aug 2026

Axis MY Zone

Utility & Telecom, Rent, Wallet, Government spends, Insurance, Gold & Jewellery and Fuel earn no rewards

axis.bank.in · 25 Sep 2026

Axis Select

Insurance, rent, fuel, educational services, utilities & telecom, wallet, gold/jewellery, government services, gift cards and bridge/road/toll fees earn no EDGE REWARD points

axis.bank.in · 25 Sep 2026

Axis Horizon

Transportation & tolls, utilities and telecom, insurance, educational institutions, government institutions, wallet/gift cards, rent and fuel earn no EDGE Miles

axis.bank.in · 25 Sep 2026

IndianOil Axis Bank Credit Card

Insurance, gold/jewellery, wallet, rent, utilities, government institutions and education earn no EDGE REWARDS

axis.bank.in · 25 Sep 2026

Axis Rewards

Transportation & tolls, utility and certain telecom, insurance, educational institutions, government institutions, wallet/wire transfer, rent and fuel MCCs earn no reward points

axis.bank.in · 25 Sep 2026

SpiceJet Axis Bank Voyage

No points on fuel, wallet or EMI transactions

axis.bank.in · 30 Sep 2026

SpiceJet Axis Bank Voyage Black

No points on fuel, wallet or EMI transactions

axis.bank.in · 30 Sep 2026

LIC Axis Bank Platinum

No points on fuel, wallet load or EMI conversions

axis.bank.in · 30 Sep 2026

LIC Axis Bank Signature

No points on wallet load or EMI conversions

axis.bank.in · 30 Sep 2026

Axis Bank Neo

No EDGE REWARD points on utilities and telecom, education, insurance, government, wallet loads, rent, fuel, gold and jewellery, or gift cards.

axis.bank.in · 1 Oct 2026

Fibe Axis Bank Credit Card

No cashback on wallet load, fuel spends, cash withdrawals or gold/jewellery purchases.

axis.bank.in · 2 Oct 2026

Axis Bank Supermoney RuPay Credit Card

No cashback on fuel, jewellery, wallet load, insurance, education, government services or rent.

axis.bank.in · 2 Oct 2026

Google Pay Flex Axis Bank Credit Card

No Stars on wallet spends.

axis.bank.in · 2 Oct 2026

SBI Cashback Card

Wallet loads excluded + 1% fee (Nov 2025).

sbicard.com · 22 Aug 2026

SimplyCLICK SBI Card

E-wallet loads excluded w.e.f. 1 Jul 2020.

sbicard.com · 22 Aug 2026

SBI Card PRIME

E-wallet loads excluded w.e.f. 1 Jul 2020.

sbicard.com · 22 Aug 2026

SBI Card ELITE

E-wallet loads excluded (bank rewards FAQ).

sbicard.com · 22 Aug 2026

SBI BPCL Octane

E-wallet loads excluded w.e.f. 1 Jul 2020. Note: non-BPCL petrol pumps earn no points (category wording, no codes); BPCL earns via the 25X rule. No government exclusion is published for this card.

sbicard.com · 22 Aug 2026

Flipkart SBI Card

0% on wallet loads, gift/prepaid card loads, voucher purchases.

sbicard.com · 22 Aug 2026

IRCTC SBI Card

E-wallet loads excluded w.e.f. 1 Jul 2020.

sbicard.com · 22 Aug 2026

PhonePe SBI SELECT BLACK

Wallet loads earn nothing (bank T&C MCC list).

sbicard.com · 22 Aug 2026

SBI SimplySAVE

E-wallet loads excluded (bank rewards FAQ).

sbicard.com · 22 Aug 2026

SBI Card MILES

E-wallet loading earns nothing.

sbicard.com · 21 Sep 2026

SBI Card MILES Prime

E-wallet loading earns nothing.

sbicard.com · 21 Sep 2026

SBI Card MILES Elite

E-wallet loading earns nothing.

sbicard.com · 21 Sep 2026

BPCL SBI Card

e-Wallet loading/recharge transactions earn no reward points.

sbicard.com · 25 Sep 2026

Titan SBI Card

No reward points on fuel, wallet upload, property rental or utility bill payments.

sbicard.com · 25 Sep 2026

Reliance SBI Card PRIME

No reward points on e-wallet loading transactions.

sbicard.com · 25 Sep 2026

Paytm SBI Card SELECT

No valueback on fuel spends or wallet loads (Paytm or any other app).

sbicard.com · 25 Sep 2026

SBI Card PULSE

No reward points on e-wallet loads.

sbicard.com · 26 Sep 2026

IRCTC SBI Card Premier

E-wallet loading transactions earn no Reward Points, w.e.f. 1 July 2020.

sbicard.com · 2 Oct 2026

Kotak Zen Signature

Wallet loads excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.

kotak.bank.in · 22 Aug 2026

Kotak 811 #DreamDifferent

Wallet loads earn no cashback.

kotak811.bank.in · 28 Sep 2026

Kotak Royale Signature [Discontinued]

Wallet loads excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.

kotak.bank.in · 22 Aug 2026

Kotak League Platinum

Wallet loads excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.

kotak.bank.in · 22 Aug 2026

Kotak Urbane Gold (discontinued)

Wallet loads excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.

kotak.bank.in · 22 Aug 2026

IndianOil Kotak

Wallet loads excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.

kotak.bank.in · 22 Aug 2026

Kotak Air+ Prime

Wallet loads earn nothing.

kotak.bank.in · 21 Aug 2026

Kotak Air

Wallet loads earn nothing.

kotak.bank.in · 21 Aug 2026

PVR INOX Kotak

Wallet loads earn no tickets.

kotak.com · 22 Aug 2026

Kotak Air+

Wallet loading earns nothing.

kotak.bank.in · 21 Sep 2026

Kotak Cashback+ Credit Card

Cashback not applicable on Rent, B2B transaction, Utilities, Insurance, Education and Government, Wallet, Online skill-based gaming, and EMI.

kotak.bank.in · 25 Sep 2026

Kotak Cashback+ Prime Credit Card

Cashback not eligible on following spend categories: Rent, B2B transaction, Utilities, Education and Government, Wallet, Online skill-based gaming, and EMI. (Insurance is NOT in this list for the Prime variant - see notes/gaps: insurance earns base 0.5% cashback up to Rs25,000/cycle per the bank's own page.)

kotak.bank.in · 25 Sep 2026

Kotak UPI RuPay Credit Card

Reward Points will not be accrued for transaction categories such as Rent, Fuel, Railway, Wallet Loading, EMI, Education and Balance Transfer.

kotak.bank.in · 25 Sep 2026

Kotak Solitaire Credit Card

No Air Miles on rent, wallet, fuel, utility/telecom, insurance, education, government (except tax payments), digital gaming, and international spends.

kotak.bank.in · 30 Sep 2026

ICICI Sapphiro

E-wallet loads excluded (program MITC).

icicibank.com · 22 Aug 2026

ICICI Emeralde Private Metal

Third-party wallet loads earn nothing.

icicibank.com · 22 Aug 2026

ICICI Coral

E-wallet loads excluded (program MITC).

icicibank.com · 22 Aug 2026

ICICI HPCL Super Saver

E-wallet reload transactions earn no reward points.

icicibank.com · 25 Sep 2026

HSBC Live+

E-wallet loads: 0% cashback.

hsbc.co.in · 22 Aug 2026

HSBC TravelOne

E-wallet loads: no reward points.

hsbc.co.in · 22 Aug 2026

HSBC RuPay Cashback

E-wallet loads: no cashback.

hsbc.co.in · 22 Aug 2026

HSBC Taj Credit Card

No reward points on e-wallet loads.

hsbc.co.in · 25 Sep 2026

Scapia (Federal Bank)

Wallet loads earn nothing (1% convenience fee applies).

res.cloudinary.com · 22 Aug 2026

IndianOil RBL XTra

Wallets/service providers earn nothing.

webassets.rbl.bank.in · 22 Aug 2026

RBL Play (BookMyShow)

Wallets excluded.

webassets.rbl.bank.in · 22 Aug 2026

OneCard Metal

Digital wallet loads/top-ups earn nothing; money transfers and cash withdrawals too.

assets.getonecard.app · 22 Aug 2026

YES Bank Marquee

Wallet loads excluded.

yes.bank.in · 20 Aug 2026

Uni GoldX

Wallet loads, money transfers and cash withdrawals earn nothing.

media.bobcard.co.in · 21 Sep 2026

BOBCARD Eterna

Wallet loads earn nothing.

media.bobcard.co.in · 22 Aug 2026

Shoprite Credit Card

Wallet / service provider loads earn no reward points.

rbl.bank.in · 25 Sep 2026

Nova Credit Card

Wallet / service provider loads earn no reward points.

rbl.bank.in · 25 Sep 2026

ELITE+

No reward points on wallet load transactions

yes.bank.in · 25 Sep 2026

IRCTC BOBCARD

No reward points on wallet loading transactions.

media.bobcard.co.in · 25 Sep 2026

Premier

Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.

media.bobcard.co.in · 30 Sep 2026

Select

Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.

media.bobcard.co.in · 30 Sep 2026

Easy

Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.

media.bobcard.co.in · 30 Sep 2026

Snapdeal BOBCARD

Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.

media.bobcard.co.in · 30 Sep 2026

Cashback

Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.

media.bobcard.co.in · 30 Sep 2026

Tiara

Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.

media.bobcard.co.in · 30 Sep 2026

HPCL Energie

Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.

media.bobcard.co.in · 30 Sep 2026

Prime

Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.

media.bobcard.co.in · 30 Sep 2026

Signet

E-wallet loading (and cash transactions) earn no reward points.

federal.bank.in · 1 Oct 2026

Imperio

E-wallet loading (and cash transactions) earn no reward points.

federal.bank.in · 1 Oct 2026

Celesta

E-wallet loading (and cash transactions) earn no reward points.

federal.bank.in · 1 Oct 2026

Paisabazaar Paisaback

Bank's printed exclusion list: EMI, Utility, Fuel, Insurance, Rent, Wallet, Education, Jewellery, Govt services, Hospitals, Toll, Telecom equipment, Railways, Automotive shops. Hospitals, telecom equipment sales and automotive shops don't map cleanly to our category taxonomy and are omitted from the structured list above but are included in this note verbatim from the bank.

federal.bank.in · 1 Oct 2026

CUB CSK RuPay Platinum Credit Card

Wallet transactions (MCC 6538-6542) earn no Reward Points.